First National Bank of Bosque County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Bosque County of Valley Mills, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.20% | 1.34% | +0.86% | 90th top |
| ROAE | 17.42% | 13.31% | +4.11% | 77th top |
| Net Interest Margin | 4.69% | 3.93% | +0.76% | 86th top |
| Efficiency Ratio | 55.33% | 61.14% | -5.81% | 68th above |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds | 0.95% | 1.88% | -0.93% | 92nd top |
| Net Interest Spread | 4.07% | 3.32% | +0.75% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.94% | -0.48% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 92nd top |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 281.76% | 1538.92% | -1257.16% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.08% | 7.33% | -3.25% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.80% | 19.50% | -0.70% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.80% | 19.54% | -0.74% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.06% | 20.62% | -0.56% | 74th above |
| Leverage Ratio | 12.79% | 12.14% | +0.65% | 73rd above |
| Equity / Assets | 12.91% | 11.37% | +1.54% | 78th top |
| TCE / Tangible Assets | 12.91% | 11.09% | +1.82% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.41% | 80.64% | +5.77% | 37th below |
| Core Deposit Ratio | 97.37% | 86.86% | +10.51% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.90% | 6.85% | -1.95% | 54th above |
| Loan Growth (Y/Y) | 2.62% | 7.90% | -5.28% | 34th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.97% | 6.29% | -2.32% | 50th above |
See First National Bank of Bosque County's peers by name
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Unlock First National Bank of Bosque County, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Bosque County profile, how to read a UBPR, or how this data updates.